Disclaimer & Risk Disclosure

Last Updated: July 23, 2026 | PSIB Academy | Global Education Hub

⚠️ IMPORTANT - READ CAREFULLY: PSIB Academy provides educational content only. We are NOT a broker, bank, investment advisor, or financial institution. Nothing on this website, blog, or our education hub (psib-online.us) is financial advice. All trading and investing involves substantial risk of loss. Past performance does not guarantee future results.

1. Educational Purpose Only

All content on this blog, including articles about Stocks, Gold, Commodities, and investment platforms, is for educational and informational purposes only. It is designed to teach beginners in the USA, UK, Canada, Europe, Australia, and Asia how real markets work in plain English.

We do NOT provide personalized investment advice, portfolio management, or recommendations to buy, sell, or hold any security, commodity, or financial product. You should consult a qualified, licensed financial advisor in your jurisdiction (USA - SEC Registered, UK - FCA Authorized, Canada - IIROC, Australia - ASIC, EU - ESMA regulated) before making any investment decision.

2. No Guaranteed Returns - Risk Warning

We never guarantee profits. Anyone who does is misleading you. Real markets go up AND down. The S&P 500, FTSE 100, gold, and commodities can lose value. Any platform promising fixed daily returns of 5%, 10%, 25% or 105% daily is NOT reflecting how regulated markets work. This is a major red flag identified by the US SEC, UK FCA, and Australian ASIC.

Trading stocks, gold, commodities, forex, and other financial instruments involves substantial risk, including possible loss of your entire principal. You should only invest money you can afford to lose. You may lose more than your initial investment in leveraged products.

3. Not Regulated as Financial Institution

PSIB Academy and psib-online.us are education platforms. References to regulators such as SEC (USA), FCA (UK), IIROC (Canada), ASIC (Australia), and ESMA (EU) are for educational alignment and due diligence teaching purposes only. Such references do NOT imply that we are regulated, licensed, or endorsed by those bodies.

4. Affiliate & Platform Disclosure

This educational blog may reference our education hub and platform at psib-online.us/index2.php and psib-online.us/index.php. These links are part of our own educational ecosystem. We may receive compensation if you choose to explore our platform after completing free education. This does not affect our commitment to honest, risk-aware education.

5. Accuracy of Information

We strive for accuracy, but market data, prices, and examples (Apple, Starbucks, S&P 500, gold) are for illustration only and may be delayed or outdated. We make no warranty that content is error-free, complete, or current. You should verify any information with independent sources before acting.

6. No Liability

To the fullest extent permitted by law, PSIB Academy, its owners, authors, and affiliates shall not be liable for any direct, indirect, incidental, or consequential loss or damage arising from your use of this website, reliance on its educational content, or your trading decisions. You are solely responsible for your own investment decisions and risk management.

7. Geographic Disclosure

Our audience includes users in the USA, UK, Canada, Europe, Australia, and Asia. Investment laws differ by country. It is your responsibility to ensure that using this website and any linked education hub complies with laws in your country of residence. Residents of the USA should note that trading rules are governed by the SEC and CFTC. UK residents by the FCA. Canadian residents by provincial securities regulators and IIROC. Australian residents by ASIC. EU residents by ESMA and national regulators.

8. External Links

This blog may contain links to external websites (including psib-online.us). We are not responsible for the content, accuracy, or practices of external sites.

9. Contact for Compliance

For any compliance questions, risk disclosure clarifications, or to report an issue:

Email: support@psib-online.us
Mailing Address: 1450 Ala Moana Blvd, Honolulu, HI 96814, USA
Education Hub: https://psib-online.us/index2.php
Platform: https://psib-online.us/index.php

Final Acknowledgment: By using this website, you acknowledge that you have read, understood, and agree to this Disclaimer and Risk Disclosure. You agree that trading involves substantial risk and that you will seek independent professional advice before making any investment decision.